Tips for people with epilepsy finding travel insurance

On occasion, it has been noted that some travel insurance companies charge a higher premium for people with epilepsy.

This is often because epilepsy is classified as a “pre-existing condition”, which means you will may be deemed a higher risk. This may affect the premium. Once you apply for travel insurance you are likely to be transferred to the companies medical department who will ask questions about your epilepsy and the types of seizures you have.

Of course, even once you have secured a policy there are extra precautions you may have to take. We’ve summarised some key pieces of advice if you’re looking for travel insurance:

Always disclose your epilepsy

It can be tempting to omit details about your epilepsy to ensure you get a better value deal, however, this completely defeats the purpose of buying travel insurance. Even if you feel confident that your seizures are under control, it’s impossible to know when you might need medical assistance. Failure to disclose your epilepsy may result in your cover becoming null and void. This may be the case even if an accident or illness isn’t a result of your epilepsy. It’s simply not worth taking the risk.

Obtain as many quotes as possible

This is good advice with anything in life! Make sure you contact several companies and obtain as many quotes for travel insurance as possible to ensure you source the best deal.

Search out recommendations for travel insurance companies

There are many people with epilepsy who have successfully found and purchased travel insurance policies. Search online for recommendations that other people with epilepsy have posted about. There are plenty available, however, we’ve avoided including the names of any companies we found by searching ourselves as we don’t want to be seen to endorse any particular firm.

Read the policy terms carefully

Having travel insurance is one thing, but it’s very important that you read the fine print to find out exactly what you have been covered for. Make sure you find the most comprehensive coverage and that you’re insured for anything that might arise as a result of your epilepsy. For example, injuries sustained during a seizure.

Apply for a free European Health Insurance Card (EHIC)

If you’re travelling within Europe, as a UK citizen you can apply for a free EHIC card. This will give you access to reduced or free healthcare should you require it. However, please note that this is not an alternative to travel insurance and you should always have both before travelling abroad.

National Epilepsy Training can help

For more information on travel insurance for people with epilepsy, please don’t hesitate to get in touch. Call us on 01706 373075 or email admin@nationalepilepsytraining.co.uk.